Indlela ukufumana nokuba ukusebenzisa njani capital lokubeleka ukuya kwiminyaka emi-3?

capital zokukhulelwa - uhlobo lwenkxaso karhulumente kwiintsapho kunye nabantwana, aye kwi kummandla Russia ukususela ngo-2007 de kuye ekupheleni kuka-2016. uncedo lwemali ukuze abazali owazalwa abantwana abangaphezu kwama-2. Ngokutsho imiqathango umgangatho yale program, kuphela imali emva kweenyanga 36. Iinkcukhacha ezithe vetshe malunga nendlela yokusebenzisa capital ngosana ukuya kwiminyaka emi-3, ufunde.

ngokuba lowo

ngenkxaso-mali evela kurhulumente singafumana oku kulandelayo:

• Umfazi lowo wazala emva 2006 (yamkela) umntwana wesibini.
• Man, ukuba ngumzali omnye umntwana ongaphantsi kweminyaka emi-3.
• umntwana Minor okanye umfundi phantsi engama-23 ubudala - xa kuthe yokuphelisa ilungelo lokufumana inkxaso karhulumente kuba adopter ngubani ngumzali omnye.

Imali yenzuzo kuyanda ngonyaka. Ngowe-2015, oko 453 026 engange.

Indlela yokufumana kwaye usebenzise imali

Kufuneka unikezele amaxwebhu ukuya yesebe PF:

• isicelo;
• ipaspoti;
• isiqinisekiso se-inshorensi;
• isiqinisekiso sokuzalwa (isigqibo senkundla kwi adoption).

Kwimeko apho sigqibo kwisithuba ngenyanga sicelo ufumana isiqinisekiso.

kunokwenzeka ukuba usebenzise imali:

• kukuphuculwa kweemeko zokuphila (ukuthengwa zokuhlala, intlawulo mortgage, kuvuselelwa izindlu, imbuyiselo ngenxa ukwakhiwa, ukulungisa, ukuthatha inxaxheba co-op);
• ukuhlawula imfundo yomntwana (siyasebenza kweenkonzo intlawulo iziko, eyunivesithi, yokulala, umxholo enkulisa).
• ezenza inxenye ye umama pension inkxaso.

Njengoko imithetho jikelele, lithetha ziyafumaneka emva kokuba umntwana lesibini iminyaka emithathu ubudala. Kodwa ke kukho iimeko xa ikomkhulu sikanina ingasetyenziswa ukuya kwiminyaka emi-3. Baya kuqwalaselwa ngakumbi ngezantsi.

imigomo

• Sebenzisa capital koomama kunokuba ukuya kwiminyaka-3 kanye.
• Kwimeko isiqinisekiso inkxaso isayizi karhulumente akuyomfuneko ukuba ibuyekezwe.
• Ixesha ejikeleza ye FIU akupheleli.
• INtetho ukusetyenziswa kwemali uhlelo isicelo nangaliphi na ixesha.
• MK abawuthobeli yerhafu yengeniso.
• Iimali ziye zinikwe abazali, kunokuba umntwana ethile.
• La maxwebhu kwi ukusetyenziswa eyinkunzi maternity ukuya kwiminyaka-3 ancedwe naliphi isebe le-RPF, kuquka a trustee okanye nge e-mail.
• Esi satifikethi kwakhona xa lobusela. Kodwa emva kokufa umniniyo, ukuba ulahlekelwa amandla.

Ikomkhulu indawo

Xa kwiingingqi ezahlukeneyo Russian Federation ibe uhlobo zongezelelweyo zenkxaso karhulumente mali ka-50 ukuya 250 lamawaka. Thambisani. Sebenzisa ezi zixhobo hayi kuphela ukuthenga zokuhlala, kodwa phezu kunyango lwabantwana, ahlawule bokuhlala kwabo njengabaphambukeli iiholide, isithuthi ukufunyanwa, ezolimo kunye nezinye iinjongo. Ngenxa yoko, iintsapho kunye nabantwana ukuze bafumane uncedo ngemali evela kwimithombo ezimbini, kodwa ke kuphela emva kokuba umntwana wesibini okanye olandelayo Uyenze iminyaka emithathu ubudala. Iziqinisekiso zikhutshwa kwakhona yi FIU.

Abahlali kwemali eyinkunzi ummandla lowo ungenziwa kusetyenziswa 100 lamawaka. Thambisani. ngokuba izindlu, lokuhlawula imali-mboleko, imfundo womntwana okanye ukuxhaphaka pension sikanina. Umthamo uncedo lwemali hayi indexed. Fumana iimali iintsapho apho owazalwa usana yesibini kwixesha lika-2011 ukuya ekupheleni kuka-2016. Abahlali bommandla Belgorod yabelwe amawaka-50. Engange. Ezi mali kufuneka lichithwe ukwakhiwa kwezindlu, ukulungiswa (eyinkunzi kunye current), ukuthenga izixhobo, intlawulo mboleko. Indlela ukufumana capital lokubeleka ukuya kwiminyaka emi-3? Umama Young kwiinyanga ezi-2 emva kokuzalwa komntwana wesithathu kwanele ukuba isicelo PF.

Kwiindawo ezininzi, imali karhulumente 100 lamawaka. Engange, nto leyo ibango usapho oselula emva kokuzalwa komntwana wesithathu. iimeko eneenkcukacha ukuze bafumane imali ingafumaneka ekuhlaleni Authority Social Security wakho.

Indlela yokusebenzisa capital lokubeleka ukuya kwiminyaka emi-3?

Uwiso-mthetho inika yokhetho encashment yokuqala mali kwimeko-mboleko. uncedo ingasetyenziswa ukuba intlawulo inzala kunye / okanye yinqununu. Indlela imali eyinkunzi kubeleka ukuya kwiminyaka emi-3? Nangaliphi na ixesha emva kokuba ezelwe umntwana kufuneka sinikwe FIU:

• nesivumelwano semboleko yekhredithi;
• amaxwebhu ezingqina ukusetyenziswa kwemali yokuthenga izindlu;
• isiqinisekiso kwingeniso lomzali, ukudala isivumelwano;
• isivumelwano uvula iakhawunti yebhanki;
• ubungqina bobumnini ;
• ingxelo kwemali kwiinyanga ezimbalwa lokugqibela;
• ikontraki intsebenzo umsebenzi wokwakha.

Iimali ziya kufakwa kwi-akhawunti yebhanki, leyo yabakho-mboleko okanye imali-mboleko. Ngaba kunokwenzeka ukuba ukufumana capital lokubeleka semali? Umntwana ukuya kwiminyaka-3, njengoko, eneneni, kunye abaphezulu abadinga izinto ezininzi, kodwa, ngelishwa, xa ezandleni imali akayi kunivumela namnye. Ngoko ke, ngokokukhetha exchange isatifikethi engamaphepha, kuquka njengabalamli, akukho mthethweni. Okunye kuxhomekeke isohlwayo solawulo kuni, igcisa nangenxa abathengi.

Anti-crisis ezintsha

Ekubeni kujongana imali nendlela capital kwezobunina ukuba iminyaka emi-3, yiya kumbuzo yokusetyenziswa kwemali. Ngowe-2014 utshintsho kwenziwa nomthetho omalunga iinkqubo zokufumana inkxaso kurhulumente. Ngokukodwa, kwezingama-20 amawaka. Thambisani. Cash zingafumaneka ize isetyenziswe iimfuno zemihla ngemihla. Esi sicwangciso sotshintsho isebenza kuphela ukuba abantu abakufaneleyo ukuba MC kwixesha ukususela ngo-2007 de kuye ekupheleni kuka-2015. Kufuneka isicelo phambi ngoMatshi 31, 2016 i-FIU okanye iinkonzo karhulumente ezijongene nemiba ngemiba yezemfundo iziko (s MFC). Apha kuqhotyoshelwe amaxwebhu efanayo: yokundwendwela umzali, SNILS isatifikethi, iinkcukacha zebhanki ukulungiselela ukuhlawulwa kwemali. Isicelo eso kwisithuba nyanga. Emva kokuba sigqibo imali idluliselwe kwi-akhawunti yebhanki okwelinye iintsuku ezingama-30.

Utshintsho yesibini unxulumene iintsapho kunye nabantwana ababini. Abazali abanjalo Ungasebenzisa imali ukuhlawulela imfundo, unyango womntwana okhubazekileyo. Nangona kunjalo, lo mhlathi awusebenzi izibini amawele azalwe. Ukuze ufumane imali, ngokwaneleyo ukunika ingxelo kwaye ikopi kwekhontrakthi ubonelelo ngeenkonzo ihlawulwe eqinisekisiweyo. Imali zingathunyelwa ukuhlawulela iinkonzo eziguqulweyo zabucala.

lifa

Enye indlela imiyalelo ye ukusetyenziswa MK - eziyinxalenye pension. Ukuba kwisithuba seminyaka eli-10 ukususela kumhla umzali isicelo ufelwa, ingeniso evela kutyalo yaye intsalela iya kuhlawulwa kwi umgcini MK yesibini okanye abantwana. Ngaphandle koku khupha i intlawulo engxamisekileyo ye-MC iya kuthunyelwa kwinxalenye ezixhaswa ngemali ye pension ngaphandle ilungelo Ifa.

Iingxaki yophuhliso lwentlalo

Ngokutsho manani, kuphela yesithathu amakhaya asebenzisa ilungelo labo capital kubeleka. Ukuthenga ikhaya (ukuya kwiminyaka emi-3 ubudala baby imvakalelo elungileyo kunye yokuhlala enamagumbi-1, kodwa ekuhambeni kwexesha, njengoko unokuthelekelela, kuya kuba yimfuneko ukuba ukwandisa), ngemali yokwakha, ukwakha - yinto isigqibo kubalulekile ukuba iintsapho abatsha, nto leyo ibeka umthwalo ngokwezimali omkhulu. Ngenxa ukungafezeki-sikhokelo esemthethweni kunye noluhlu amathuba MK zixinaniswe imali karhulumente musa ukukhuthaza abazali abatsha ukuba akhuphe mboleko ixesha elide.

iindlela semi-ngokomthetho

Ukusetyenziswa eyinkunzi maternity ukuya kwiminyaka-3 makulawulwe ngokungqongqo ngumthetho. Ngoko ke, simele silumke kakhulu ukuba kuwa ngenxa maqhinga scheme. Eqhelekileyo kakhulu yaye usetyenziswa rhoqo kuzo - lo ukutshintshiselana zizatifikethi nemali isaphulelo ethile. Nangona kunjalo, qaphela ukuba nayiphi Udweliso intengiso uxwebhu bathi akukho mthethweni.

Noko ke, indlela semi-zomthetho zisekho nanamhla oku. Uyakwazi tirhisa capital ngosana ukuyithenga kwiminyaka 3 ' "kwezindlu. Ezinye realtors wosondeza inkonzo ukhetho yezakhiwo kummandla kunye namaxabiso asezantsi. Yi izindlu imitha kufuneka ibe ngaphantsi kwe lowo apho usapho ubomi. Inxalenye yeendleko ehlawulwe ngemali yaye abanye - ngokusebenzisa isatifikethi. Emva kokugqitywa wentengiselwano izindlu ezintsha kubekwa kwintengiso, kunye nemali (net zonke izimali) wabuyela kubazali. Nantsi indlela yokusebenzisa capital lokubeleka ukuya kwiminyaka emi-3. Xa eli cebo, kukho kuneengxaki. Okokuqala, kufuneka unikeze malunga nesiqingatha sesigidi engange yokuhlawula kwangaphambili. Okwesibini, kufuneka ukuba silinde iinyanga ezintathu, lo gama i-mali yomhlalaphantsi isuke umthengisi intsalela mali. Okwesithathu, realtors kunye nexabiso amaxwebhu besukelana 20-30% yemali intengiselwano iyonke.

Kukho enye indlela yokusebenzisa indlela capital lokubeleka ukuya kwiminyaka emi-3. Kusenokwenzeka ukuba banyamezele igeza isalamane efanayo okanye unozakuzaku. Iya kuvumela iintsapho ulutsha ukuba wonge imali engakumbi. Kodwa kukho i-risk yokuba umthengisi izakulahleka ngemali, eshiya usapho kunye nendawo yokuhlala, wayithenga ngexabiso eqolo.

Ngomhla izibakala ubuqhophololo kunye MC eqhutywa inani elikhulu wamacala ngonyaka. Ngoko ke kungcono ukuba ukukhangela kwizikim yingozi, nokuba ukusebenzisa iindlela zomthetho.

FAQ

Khawuqwalasele imibuzo zixhaphakileyo malunga nokusetyenziswa MC.

Karhulumente mali ingabhekiswa ku ukuthengwa kweendawo kwimvumelwano irente, kokugqitywa kwesakhiwo, nokuba kuyintoni na ngoko iqela lesithathu liya kupelwa ngaphandle (umntu zizalamane). Kananjalo kubalulekile ukuba siqaphele ukuba umthetho sithetha kuvuselelwa indlu yokuhlala, hayi indawo yokuhlala. Akuvunyelwe ukuba usebenzise imali yokuthenga impahla eshukumayo. Nangona ngamanye amaxesha imfuneko imoto linokuba ngaphezulu kwe lwezindlu. Kunjalo umhlaba. Xa ngeendleko MC uyakwazi ukwakha indlu, kodwa ayikwazi ukuthenga umhlaba.

Apho uyakwazi ukuchitha imali eyinkunzi lokubeleka ukuya kwiminyaka emi-3 emva nokufunyanwa mhlaba ezishiyekileyo? Ngenjongo efanayo:

• kukuphuculwa kweemeko zokuphila;
• imfundo;
• eyinxalenye ye pension.

MK Funds nedostupny abemi Russian abahlala kwelinye ilizwe kwaye ufuna ukusebenzisa capital ukuba athenge okanye isakhiwo ikhaya aphesheya. Chitha imali ingaba ukuthenga izindlu nasiphi na isixeko weRashiya, ezahlukeneyo nokuba ukusuka kwindawo ahlala kuyo. Imali benganikwa koomama ukwenza ngaphandle elugcinweni umntwana. Kwaye kwimeko ngokuzalwa abantwana ababini okanye ngaphezulu kwi isiqinisekiso ngexesha elifanayo linokunikezelwa umntwana lowo ngelo xesha, kwazalwa kamva.

capital maternity zezindlu ukuya kwiminyaka-3 awuchaphazeli ukufaneleka nezinye iingenelo. Umzekelo, ukuba intsapho iye ukhuphe umhlalaphantsi ekuhlaleni ngenxa ukulahleka umondli, ilungelo lokufumana i-MC akakwazi kuchaphazela isixa kwezi ntlawulo. Ngeendleko isiqinisekiso lingenako ukuhlawulela ukulungiswa kule indlu, indlu, ukuthenga izixhobo ekhaya okanye ifanitshala.

mboleko

Iindlela uncedo unako wachitha malunga nentlawulo inqununu kunye nomdla phantsi kwezivumelwano mboleko. Kweli nqanaba musa ukufumana isivumelwano kwi kuthengwa impahla engenakususwa ngokwemigaqo yokuhlawula ngezavenge kwizalamane, abahlobo kunye njalo njalo. D. Okokuqala, intengiselwano ekunokugqitywa kunye iqumrhu elisemthethweni kuphela. Okwesibini, ngesivumelwano semali-mboleko kwaye isivumelwano wentengiso - nto uxwebhu ezimbini ezahlukeneyo.

Enye ezincinane. Direction MC ukubuyisela yinxalenye yetyala kwi mortgage aluchaphazeli intlawulo ngakumbi ematyaleni. Kulo mzekelo, i uncedo lithetha karhulumente asebenza umsebenzi lokuhambisa. Ukuba emva kweminyaka embalwa, imeko yezimali utshintsho mboleki, uya kuyeka ukwenza iintlawulo ukuhlawula ityala, inkundla isigqibo zingafuni usapho evela indlu, nokuba umntwana minor ziza kubhaliswa kulo. Kwixesha elizayo, ukuthengisa indlu, wayithenga ngeendleko i MC, oko kunokwenzeka, kodwa ke kuphela emva kokuba inzaliseko izibophelelo kurhulumente. Umzekelo, ukuba usapho bathenga 'odnushku "kwaye ihlawulwe kuba ngalo isatifikethi, waza wagqiba ukwandisa isithuba ephilileyo, kuqala kuyimfuneko ukuba' irejista 'phezu abazali kunye nabo bonke abantwana, uze kubekwa kwintengiso. Kuba lungamkeleki kuya kufuneka ukuba afumane imvume onke amaqabane abadala kunye yokukhathalela umzimba. Izabelo zisasazwa phakathi abanikazi besi sivumelwano (ingxelo ebhaliweyo), kungakhathaliseki ukuba yinxalenye ixabiso lwezindlu sele ubuyisele MC. Ukuba le nto ithe yasekwa xwebhu, oko kusenokwenzeka, bonke abanini uzakufumana share ngokulinganayo.

uqeqesho

Enye indlela imiyalelo ye ukusetyenziswa MK - intlawulo ukufundisa abantwana. Kubalulekile ukuba iziko lemfundo ibekwe kwi kummandla Russian Federation. yobudala womntwana ekuqaleni noqeqesho kufuneka ube neminyaka engaphantsi kwe-25. Olu khetho ukuze alungele iintsapho, apho umntwana wesibini wazalwa emva 2007, kwaye wokuqala sele waphumelela esikolweni.

share in impahla

imibuzo emininzi na imeko apho isiqinisekiso sobhaliso kwezithobekileyo yokwenene lowu ukuba umqashi ebunjiweyo ½ zendlu indlu kunye nabantu bachitha izicelo imali uncedo loluntu ukwenzela ukuthenga isiqingatha esiseleyo. Kulo mzekelo, sebenzisa imali umzali leminyaka ukuya ku-3 ubudala ayisayi kusebenza. "Indlu phezu iinkosi ezimbini" ofumana ubume indlu 2-yokuhlala. Phambi ngokuqhagamshelana PF le mali, kuyimfuneko ukuba ayahlule ipropati ephepheni. Oku kusebenza kwiimeko apho umntu lithi libe yinxalenye endlwini yomnye umntu. Ukuba ufuna ukuphucula iimeko zabo ephila yokufumana isiqingatha eliseleyo kule ndlu apho wayehlala, iingxaki ezinjalo kufuneka lingabi.

Ngokutsho Art. 15, 16 LCD RF, zokuhlala uyayiqonda kwigumbi ekwanti, nto leyo efanelekileyo yokuhlala abemi. Ezi ziquka:

• isakhiwo sokuhlala, inxalenye yalo;
• Indlu, inxalenye yalo;
• igumbi.

Ehlala endlini isakhiwo kunye kumagumbi apho kukho ukusetyenziswa igumbi nkarhinyana. Inxalenye izakhiwo ezinjalo kufuneka bodwa, kunye nomnyango eyahlukileyo.

Ngoko nangoko ukurekhoda yonke intsapho kule dilesi omtsha akufuneki. Kodwa emva kokuba uyihlawule mortgage kufuneka wabonisa ukuba bathenge igumbi ahombise kwipropati eliqhelekileyo bonke abazali kunye nabantwana (kwizabelo, ngokwesivumelwano). Amaxesha amaninzi abazali sinokwala ukubhalisa nayiphi na inxalenye propati ngokwawo, efuna ayisasaze phakathi ziindlalifa. Oku kuchasene ngokwemiqathango yale nkqubo. A isithuba ophilayo omtsha kufuneka zibhalwe zizo zonke amalungu entsapho. Property othengwe ngeendleko MC, kungekhona edibeneyo, kaloku abawuthobeli lwahlulo. E. Emva kokuba umtshato, iqabane ngalinye kuhlala umnini yesabelo wayo.

izinketho ezimbalwa

elide inkqubo uncedo ulinganiselwe. Ngoko ke, abo sele unalo ilungelo lokufumana imali, kodwa musa kodwa akwazi ukulahla ngqo njani kubo, kuyimfuneko mandikhawulezise kunye nesigqibo. Lo mthetho ubonelela ukusetyenziswa sonke isixa okanye inxalenye yeempahla ze MK ukuphucula iimeko zokuphila, imfundo, i pension ngemali. Mhlawumbi khetho ukusebenzisa izikhombisi eziliqela. Ukuba umnini isiqinisekiso kuye ndigqibe kwelokuba ndobudlulisa capital lokubeleka ukuya kwiminyaka-3 malunga nokumiselwa inxalenye ezixhaswa yabasebenzi pension, ukuba unalo ilungelo lokutshintsha ingqondo yayo kwaye de iminyaka yomhlalaphantsi ukuba imali echithwa ngayo nayiphi na eminye imiyalelo emibini.

izithintelo

capital maternity kolu lwakhiwo (iminyaka ukuya ku-3 ubudala) anakho ukufumana abemi Russian, nokuba bahlala kwamanye amazwe, kodwa kube kanye kuphela. Oko kukuthi, ukuba ngeli thuba le inkqubo uncedo umntwana yesibini neyesithathu wafikelela kwiminyaka emithathu, isitifiketi kusenokwenzeka ukuba akhuphe esinye nakweyiphi na abantwana kuphela.

Kuba Izibini abahlala kumtshato waseburhulumenteni, kukho imida. Amadoda kwiintsapho ayide ikwazi ukufumana isatifikethi, ukuba ipropati ezifunyenwe akayi kubulawa kamva abazali bobabini kunye nabantwana.

Abantu abaye ukhuphe mortgage phambi kokuba baqalise ukusebenza le nkqubo, kunye inxaxheba kwezengqesho (t. E. ezimbini okanye kubaboleki ngaphezulu), PF linokwala ukunika imali MK. Kufuneka uzame ukuba uqhagamshelane yebhanki isicelo lokuhlaziya imvumelwano umntu omnye. Ukuba iziko lamatyala uya kuthatha isigqibo esifanelekileyo, kunokwenzeka ukuba akhuphe isiqinisekiso.

uqikelelo

Ngokutsho data preliminary, inkqubo uncedo iya kuba semthethweni de kuye ekupheleni kuka-2016. bupheliswe iya kuchaphazela imeko yezibalo kweli lizwe. Isindululo ukwandisa inkqubo eminye iminyaka 9 sele kufika kwi-State Duma. Imali eyabelwe matkapital, ukuba ngesibetho kakhulu-mali sendawo. Iinketho phantsi ingqalelo ukukhuthaza osikwa yinimba. Ukukhululwa Kwanikwa ukuya kukuphuculwa kweemeko zokuphila, ukwandiswa ukusetyenziswa kwemali.